The Decisioning Brain for Bangladesh Banking. Above any authentication layer. Beneath no regulator.
A briefing for the Board of Directors and Risk Committee, prepared in response to the Bangladesh Bank Partner Network directive and the bank's 2026 transformation programme. Read in advance of the 72-hour pilot kickoff window.
Addressed To
Prime Bank PLC
Attention
MD · CIO · CRO
Dated
16 APR 2026
Classification
CONFIDENTIAL — INTERNAL USE
AEGIS · Prime Bank PLC
02 · Architecture InsightCONFIDENTIAL
Layered Defense · The Positioning
Device fingerprinting stops the stranger at the door. AEGIS watches the money move — regardless of door, window, or insider who opened it.
Your competing vendors are pitching better locks. That is a solved, commoditised problem. The loss events of 2024-2026 across NPSB, BEFTN and mobile channels share a single pattern: credentials were legitimate, sessions were clean, devices were known. The fraud was in the movement of money, not the act of logging in.
01
Channel & Identity Layer SOLVED
Authentication, session integrity, device posture, bot detection. Confirms who is at the keyboard.
Wenme · BioCatch LexisNexis ThreatMetrix
02
Transaction Decisioning Layer AEGIS
Behavioral DNA · graph-based mule detection · real-time scoring across every channel · counterfactual explainability for every decision. Decides whether the money should move.
AEGIS Purpose-built for BD
03
Regulatory & Reporting Layer BFIU
Automated STR / CTR generation, BFIU goAML XML filing, sanctions screening, PEP lists, BB Partner Network compliance telemetry.
AEGIS + BFIU goAML BB Partner Network
04
Consortium Intelligence Layer NETWORK
Cross-bank mule signal, shared typologies, blinded graph joins. Every participating bank gets stronger when any one of them is attacked.
Eight capabilities competitors do not ship. Not as roadmap. As production.
Every module below is live in at least one partner bank's shadow deployment today. None of them exists in the competing device-fingerprinting pitches. This is the gap between session security and money security.
AEG-01 · BDNA
Behavioral DNA
A 512-dimensional vector fingerprint of every account's normal money-movement pattern. Drift triggers in milliseconds.
AEG-02 · MRG
Mule Ring Graph
Apache AGE graph walks over multi-hop beneficiary chains. Finds rings no rule engine can.
AEG-03 · AII
AI Investigator
Synthesises a full case narrative — timeline, counterparties, typology, recommended action — in under 30 seconds.
AEG-04 · STR
Auto-STR Generator
goAML-compliant XML drafted, evidence bundle attached, BFIU-ready. Compliance officer approves in one click.
Bangladesh Bank Partner Network deadline: 31 December 2026. AEGIS gets you there — with evidence, not promises.
The Partner Network directive mandates automated STR filing, typology-based screening, and consortium-grade mule detection across every retail and corporate channel. Manual compliance teams will not meet this deadline. No Bangladesh bank has currently demonstrated full coverage. AEGIS closes the gap in twelve weeks.
Time remaining to 31-Dec-2026 deadline259 days elapsed of year · 119 days to go
Coverage Matrix · Every Channel · Every Capability
Competitors cover one or two channels. AEGIS covers every channel a Bangladesh taka can move through.
Fraud does not respect channel boundaries. A mule onboarded through agent banking, funded over NPSB, layered through BEFTN, and cashed out on ATM is one investigation — but requires one decisioning brain that sees every hop.
Channel
Real-time detection
Behavioral scoring
Graph linkage
AML typology
Auto-STR filing
Consortium signal
Counterfactual explain
Internet BankingWEB · TEMENOS
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Mobile AppIOS · ANDROID
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BEFTNBATCH · BD BANK
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NPSBCARD · ATM · POS
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RTGSREAL-TIME · GROSS
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ATM NetworkOWN · SHARED
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Branch TellerCASH · CHEQUE · CASA
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Agent BankingBKASH · NAGAD · UCASH
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SWIFTMT · MX · GPI
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Trade FinanceLC · BG · DOC COLL
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● Production coverage — live today● Available — consortium sharing is opt-in per regulator permission● Not applicable
The moat is breadth. A rule engine that protects mobile app login while missing BEFTN layering is a checkbox, not a defense. AEGIS is the only platform that scores every hop of a transaction across every channel in your estate — with one audit trail the regulator can read end-to-end.
AEGIS plugs into the estate Prime Bank already operates. On-premise, always. Data sovereignty, preserved.
You already use Temenos Transact as CBS and Wenme for authentication. AEGIS arrives as a self-contained stack and integrates over three well-defined interfaces — no core modifications, no Temenos patching, no change window on your authentication plane.
01
CBS Connector Agent
Go-based read-only agent deployed on-prem alongside Temenos. Streams transaction events to AEGIS via mTLS-gRPC. No writes to CBS.
GO · GRPC · MTLS · TEMENOS TOCF
02
Wenme Session Webhook
Wenme pushes session context (device, geo, auth factors, risk score) via signed webhook. AEGIS enriches every transaction with live session signal.
OAUTH 2.1 · JWT · WEBHOOK
03
BFIU goAML Submission
Auto-generated STRs submitted as goAML XML. Compliance officer approves in AEGIS console; bundle is signed and filed against the BFIU endpoint.
GOAML · XML · BFIU API
Reference deployment — Prime Bank Data Centre
No cloud egress. No PII off-site. Consortium participation is blinded by private-set intersection. Your data stays in your building.
Fourteen weeks to production. Not three. Banks do not deploy decisioning brains in a sprint.
Aggressive timelines are a warning sign in core banking integrations. AEGIS follows a disciplined five-phase roll-out aligned to BB Partner Network gate reviews. Every phase has a written exit criterion and a joint sign-off.
W01
W02
W03
W04
W05
W06
W07
W08
W09
W10
W11
W12
W13
W14
01 · Discovery & designW01 — W02
DISCOVERY
02 · Connector integrationW03 — W05
CONNECTOR
03 · Shadow modeW06 — W08
SHADOW
04 · Pilot (1 channel live)W09 — W11
PILOT
05 · Production · all channelsW12 — W14
PROD
WEEK 02 GATE
Architecture & security review signed by CIO + CISO.
WEEK 05 GATE
Connector in bank DC streaming live Temenos events. No CBS writes.
Browser fingerprinting vendors show you a door-camera.AEGIS shows you the whole building — every room, every corridor, every hand that touches the money.
02 / 03
AML is your number-one board priority for 2026. AEGIS is the only platform purpose-built for Bangladesh Bank's regulatory regime — BFIU goAML, Partner Network KPIs, sanctions, PEP and typology packs in-box.
03 / 03
Your data stays in your data centre. Our intelligence is at your service. On-premise, data-sovereign, post-quantum-encrypted — and composable with your existing Temenos and Wenme investments.
Next step
Pilot kickoff — 72 hours post-sign.
Joint technical design workshop · AEGIS + Prime Bank architecture.
Temenos connector security review scheduled with CISO office.
BFIU liaison briefed on goAML submission path.
Pilot channel selection — Mobile App recommended.
Lutfar Rahman
MD & CEO · KaritKarma Limited
lutfar@karitkarma.com +880 — on file karitkarma.com / aegis
END OF BRIEFING · AEGIS · KARITKARMA LIMITEDAEG-PB-2026-04-0001 · R1.0